a Chapter 13 Composition Plan

Bottom line is that a Chapter 13 Composition Plan can propose the ‘surrender’ of a secured creditors’ collateral without much concern of the consequences of a deficiency balance. Creditors are not paid in full in ‘Composition Plans’ therefore they’ll all simply receive less than they would have received since the same amount of money is available to be paid to a larger total of unsecured debt. Learn more about bankruptcy by visiting http://ghentwebvalley.com/?p=87.
NOTE: If the merchandise you’d like to surrender is a product which has become fixed to the real estate such as: siding on the house, an installed water purification system, new dual pane windows, solar panels or other improvements which are attached to the real estate and cannot be removed without significant damage or a great deal of difficulty and expense, the option to surrender may not be a guaranteed alternative. Consult a Consumer Bankruptcy specialist who regularly practices in your area. See The EASY Method List S3LIST and The LESS ‘C’ Method D7 regarding how to find the best bankruptcy attorneys. The most likely method to at least reduce the amount owed to obligations of this nature would be to file a Motion to Value Y8F or if the creditor has a Judicial Lien filing a Motion to Avoid a Lien Y8E may be the best alternative. 
According to http://ceicom.org/?p=134, Secured creditors scheduled in a Chapter 13 Plan should be provided for in a manner that will enable them to receive monthly payments which at a minimum keeps-up with the depreciation of the collateral in which they have a secured interest. As an example, if the security is a vehicle and the value of that vehicle is anticipated to depreciate at a rate of $2400 annually, the creditor should receive no less than $200 monthly. Additionally, the total amount claimed as owed by a secured creditor (or the secured portion of a ‘crammed-down’ secured creditors’ claim), plus any interest provided for the secured creditor in the Plan, must be paid in full during the life of the Plan. 
The treatment of a secured creditor is based on what the court approved Plan states… not based on the original contractual terms. The Plan will specifically state the manner in which each secured creditors will be treated including the rate of interest the Plan proposes to pay a creditor. The creditors Proof of Claim controls as to the amount owed (unless the court has ruled otherwise). The treatment of the creditors Proof of Claim is controlled in the manner the court approved Plan stated. Learn about bankruptcy options at the website http://cynthiacalloway.snappages.com/blog/2014/09/17/did-they-confirm-it-was-brute-force.
NOTE: Monthly payments paid to secured creditors through the Chapter 13 Trustees administration can be less than the original contractual payment. It’s common for secured creditors to receive payments which are considerably less than what the original contract required. Careful consideration should be given when designing a Plan which proposes to reduce the monthly payments and the interest rate to secured creditors… particularly vehicle creditors. It’s in every ones best interest to prepare a Chapter 13 Plan that will not push the creditor to the point they file a formal Objections to Confirmation to the proposed Chapter 13 Plan. 

Choosing Condo Units From Lakeville With Ease

Anyone focused on investing in a home is often quite excited about the opportunity. Local real estate markets are now brimming with opportunities for consumers to make a solid investment which can be quite challenging to filter through while saving money and still ensuring all household needs are successfully met. When selecting from Lakeville condominium, buyers are offered the chance to make sure their investments are performed in a comprehensive manner.

Most buyers are focused on these units as they are quite similar in feature and layout to a traditional house and are often a fraction of the price. The decisions made from the various units are often performed with a great deal of caution.

Buyers that are interested in this kind of housing investment have a significant array of opportunities to select from. Many people are unfamiliar with how to make sure their money will be spent wisely with such a critical financial decision. Paying attention to several ideas is usually helpful in making a great selection from the multitude of options.

Potential buyers are urged to focus initially on the date in which the unit was manufactured. Building codes and regulations are quite varied in regard to how strict they have become over time which is often why consideration is placed on finding units built within the past few years. This information is readily available with most unit listings and can be a significant factor when narrowing down the options.

Concentrating on the size and layout of the unit available in Lakeville is also an essential component in making a great decision. The actual layout and size of any living space is essential to hone in on when interested in avoiding cramped areas and the need to move regularly. The largest square footage amounts and most open floor plans are useful to hone in on when considered.


The community in which the home is built is also quite useful to hone in on. A majority of units offered in this category of housing are actually within larger communities that provide recreational activities and common areas for residents to enjoy their environments and interact with their neighbors. The location of the community as well as any restrictions and guidelines set forth by them should be carefully reviewed prior to making a final choice.

Unit features and amenities are also essential to buyers that are narrowing down their options. Having access to plenty of luxuries and features that are helpful in providing a more relaxing living space is useful in preventing discomfort of some kind. The houses designed with the most modern and appealing features help prevent complications along the way.

Pricing also receives a great deal of attention from anyone interested in making this decision. The costs associated with this kind of investment are often quite difficult to prepare for when interested in avoiding significant financial difficulties. The lowest prices associated with the most appropriate living space options help create a great value in the long run.

You can turn to LakeVilleSg when you are looking for newly-built homes from this Jurong Lake district condominium.

How to have a custom website design in a budget

Website designing budget directly depends on your specific requirements and needs. The price range exceeds and varies according to the services provided. Web designing requires great skill and assistance of professionals who have mastered many fields regarding web development. Everyone is not able to design a website effectively and creatively. The tools required cost money and the total charges of services can pile up into large sums. Custom web designing is very expensive when compared to readymade templates. The prices usually scare new website designers because they don’t know how to keep the design in budget.

Determining the budget for a custom website design

Before starting a website, it is important to learn the standard targets that should be used to set decide overall amount money required for promotion purposes of your business, through all methods you are looking forward to adopt; such as marketing and branding. A website is the online face of your company and it plays a key role in marketing. So while preparing the whole budget of the promotions, set aside a reasonable amount of money for your website to hire a custom web site design company for effective marketing through internet. To get an idea of the budget required for designing your website, go through the web page of your competition. Look at the services and tools used by their website and decide which services your website needs to make it appear better. Once you know the details of the services that you’ll require, you will have a clear idea about your budget.

Market prices for custom website design services

Searching on the internet, you will find many custom website design companies which claim to create a professional and attractive website at very low prices. Many times templates and DIY designs are marketed as custom web design at low prices. So the most important thing is to keep away from these spams. Today, building a website can cost you from 200$ to even 20,000. It you want to take a low start then you might be inclined towards the cheaper option. But under this budget, you will get ready made templates and limited services for the website. A good custom website design alone can cost up to 2000$. It has a wide range of services to offer, it is personalized and a great option for someone starting a serious business through the internet.

Deciding the budget depends on the nature of your website and the idea behind it. You can limit the services so the quality is not compromised and still under your budget.

Enjoying A Coze Bali Villa Rental

You can ask just about any traveler and they will tell you that your choice in accommodations will have the ability to make or break your vacation. Not only do you want to stay in a room or house that is spacious and clean, but it is also nice to be able to have a space that is nice and private. Bali villa rentals on Balilocations are a perfect way for you to be able to get the most out of your vacation adventure if stunning Bali without a lot of the fuss and hassle that comes along with staying at a crowded hotel.


Choosing the right Bali villa rental will leave you with a space that you can call your own while you are on vacation. A private experience with personalized service, you will see just why this is such an incredible decision for your vacation from the very moment that you walk through the doors of your villa. All of the villas that are available for rent in Bali are hand picked, overlooking beach fronts, hidden in lush foliage, facing the beauty of the ocean or even looking at the majestic mountain tops nearby. Some people say that the view is one of the absolute best things about an excursion in Bali, especially when they are able to step out the door with their cup of coffee while overlooking nature in its truest form.

When you are starting in on the planning process for your Bali adventure, you will find that there are going to be different rates that you can pick from depending on the season that you are looking to travel. In addition to that, you may also have the option of putting together a complete package for your stay that will include dining, excursions, activities, guided tours and much more. This is a rich region to visit with plenty of things to see and do. The right tour guide and hand picked excursions are sure to add just the right level of excitement to your Bali vacation.


Villa rentals are also perfect for people who want to have their own private oasis as they are in Bali. Newlyweds, couples celebrating their wedding anniversary and even families who are hoping to have a whole place to themselves while they are away from home are all great candidates for a villa rental. All it takes is a little bit of research and you are going to find everything that you need to plan out a great vacation experience.

If you are looking for spa experiences, water sport adventures, hiking, biking or anything else, you can also book these excursions with a little bit of help from your Bali villa rentals staff. For many years, this has been a vacation destination that has been giving travelers of all tastes and backgrounds an amazing way to make memories and enjoy all that this exotic location has to offer. Privacy, comfort and some of the best land and seascapes that you could ever imagine are all waiting for you just outside of your villa rental in Bali.

Bitcoins will be mined for the next hundred years


Bitcoins have a terminus mining date in the year 2140, which was a fascinating number for me, and again this is a really important point because Bitcoin isn’t competing against systems that are perfect. Bitcoin is competing against systems that we have now and I don’t think anyone is going to make the claim that they are perfect. When you compare Bitcoin and this long, slow, predictable rollout of the currency over the course of 140 years, where we now in the year 2113 can say okay, in 80 years, I know about how many are going to be out in the economy. You compare that to any monetary system that we have today and that is so science fiction that it’s just not even funny. The federal reserve in the United States, we are literally adjusting and re-examining monetary policy every three months which means that at any point in time, three months in the future the monetary policy of the currency could change and when it does change, chances are pretty good it will be to the detriment of the people who are holding it.

Right, it is very unpredictable but the one thing that you can predict about that is that the government is going to keep inflating your money gradually and you don’t have much control over it and that’s probably going to be to your detriment.

Well, the problem there is that even if they stop, even if they say we have decided that it’s bad to inflate, then even then, you are going to have people who have made decisions on their past actions and are locked into them and so this is the core thing, is that Bitcoin doesn’t care who you are, it doesn’t care what you do, it doesn’t care. If you want to opt-in and you want to follow the rules, then you can use the system and it will probably benefit just about whatever you are doing because it is a much more efficient way of conducting commerce, doing financial business, than really any other system that we have available to us at this point. But on the other hand, if you don’t want to follow the rules, then you can’t break the rules; you just don’t have to participate.

Bitcoin was the first digital crypto-currency that follows this kind of pattern and that has this kind of system. But, there are others with slightly different rules, so if you don’t like Bitcoin but you maybe like Bitcoin with a couple of tweaks you might want to try one of the other popular cryptocurrencies like Litecoin or Ripple. These coins use the blockchain technology as their base, but institute different protocols for its use. Collectively these other cryptocurrencies are known as altcoins. Altcoins tend to be extremely volatile and are often traded like penny stocks. The founders typically promise a lot. If you are going to get into altcoins, just know that it’s a buyer beware situation. Most of the major Bitcoin wallets that are currently available don’t support altcoins. This site compares some of the popular wallets. For my money, I think that Airbitz is the best in terms of ease of use and security. You can download the Airbitz wallet here.

Efficient Social Media Sites Marketing

When upon a time, I envied my event organizer friends. They were constantly zipping off to Beijing or Paris, snoozing on Egyptian cotton sheets at ritzy hotels and regardless of a few cases of Spock-ear from wearing those geeky headsets, the event life was great.

Given that the millenium social media networks have grown from a hobby into an essential part of people’s everyday lives. The majority of people log in about 4 to 5 times a day or are always logged on through their mobile phone. With social networks ending up being web mega spots, companies quickly began marketing with social media networks. This is referred to as the birth of online reputation management services. The real concern ends up being how are they making use of these social networks to drive customers to their sites?

Writing tweets that are efficient, interesting, or helpful takes a little practice. As soon as you’ve mastered the 140 character limitation, though, it doesn’t take much time. Before beginning, choose a fundamental strategy. Take a look at the 5 factors to tweet that we listed above. Identify the number of of those are how you see your business utilizing Twitter.

12- Do address unfavorable comments or criticisms about your brand name, service or product. online reputation management is a huge thing in social networks. Do not let negativity go unaddressed and make sure to bear in mind others are looking on, so do it in a professional, non-confrontational way that will earn you the respect and appreciation of others.

My focus is on the company of chiropractic, with a focus on advertising, but, if I did hold a chiropractic license and discovered the holy grail for growing a practice, I would grow 1,000 workplaces. and earn millions on my “keys” not thousands selling books or manuals. But, I put on [t have a chiropractic license, so I have actually chosen to assist thousands grow their practice over the previous twenty years.

Collect knowledge. This works together with Step 1, but you can’t actually collect efficiently up until you have actually begun the discussion that follows from Steps 2 and 3. When you’ve established your very own presence online, you can begin to really find out exactly who your consumer is and exactly what they want. This is the revered Holy Grail of marketing: knowing customers much better than they understand themselves. You can accomplish this through reliable Big Blue Robot.

Maybe the most significant thing to think about when making use of Twitter, is your fans. Is exactly what you’re planning to state pertinent to them? Is it helpful? Does it make you beneficial to them?

According to social networks, along with, client relationship management experts, those business that neglect social media monitoring doing this at their own danger. So, why take a threat, when you understand its probable results? Exactly what you need to do is to hire a social media monitoring business and take a sigh of relief. Disregarding this is bad for you form a long term point of view, too. So, if you take a little bit of care now, you will surely rule the world of Web advertising for sure, in the future. So, search on the Internet, and find out a dependable and reputed social media monitoring business. As there are a lot of such companies running in the world market, you should not be facing sufficient problems to find one for your business.

10 Handy Tips for your Baseball Tryouts


Keep time: In a baseball game, if you are in fact not some 15 minutes early, then you are already 15 minutes late! Wanna learn how to play baseball?

The first impressions matter a lot: Always dress in your full game uniform. In advance ensure that you check out potential footwear in a variety of styles. Search for that bat which fits you the best and of course some nice socks. Maintain a great and positive game attitude, showing your willingness to learn by cooperating with your team coach

Introduce yourself well: In case you have previously never met the team coach, ensure that you go the extra mile and say hello, shaking his hand and then introduce yourself. This indicates to the coach that indeed you are a mature person who is self confident and possessing a professional attitude. This portrays a kind of confidence required in leading a team or in getting that winning hit.

During the game warm ups be sure to look like the athlete you are supposed to be, taking every episode of exercise seriously, with no discussing with fellow players. Remember the coach is judging you from that very first second he sees you, and they not be waiting for the batting or pitching practice session so as to make their selection decision. You can find more interesting stuffs about baseball.

Don’t become a warm up hero because warming up is really not the opportunity of showing off your deft arm. The coaches are searching for your ability in playing ‘catch’ so save your arm for that tryout defensive part.

Keep all your eyes on the top prize! Every time the coach speaks, lock your eyes with his to indicate utmost attention. Do not allow yourself to get distracted by the others; remember your reason for being there is to make an impression on the coach so as to have chances in making team.

When your time for action comes for display defensive drills look ready, look excited, look as if defense happens to be your favorite game part.

Do some hustling around the pitch when it’s your time to hit ball, do some hustling from your current position, get hold of your helmet and bat, line up looking very ready to hit as to try several imaginary swings before the coach calls you to hit.

Perfectly time the load and swing while the others hit. Take keen notice of the pitcher’s tactics and other aspects. This is the kind of mental preparation which will provide you with an added advantage over that other player who goes on to jump blindly into the without having any clue as to how the pitcher they are going to face is throwing.

Always keep the head up. This is because coaches are in need of players who can quickly rebound from any kind of failure and who have the ability of keeping the whole team’s spirits up, not players who collapse after a bad run.

Appetite Suppressant Fat Burning Supplements

Eating is very fundamental in our lives. Without eating foods, we will be weak and thin, almost bone-like. We eat three times a day—breakfast, lunch and dinner . These three meals are very important for us. It is where our hunger peaks the most. However, as we cannot resist eating we tend to eat in between these meals we also have brunch and snacks. In addition to that, the market offers us vast array of foods choices. Some of which causes us to gain weight and are unhealthy. Everywhere we go and anytime there are a lot of foods that we can see, and certainly we cannot simply resist. There are junk foods, candies, street foods, pastries and desserts. How can we resist these foods and how can we stop ourselves from getting hungry when we see these? As a result of continuous and unnecessary eating, we have this strong guilt inside us and we instantly want to lose weight.

There are a lot of ways in losing weight from a strict diet plan, a routine exercise, and a pill or supplement which aids in weight loss. Aside from weight loss pills, there are also pills or supplements, which aids in decreasing our desire in eating. It makes you feel less hungry thus you are no longer eating in between meals and even lessening your intakes of food during your meals. These pills or supplements are called Appetite Suppressants. But what do we really need to know in these appetite suppressant supplements?

Reducing weight is not just about decreasing your weight, it is also about losing those unwanted fats. It is not only about losing those extra pounds gained but about burning those calories and fats.

Appetite Suppressant Fat Burning Supplements decreases your hunger at the same time it acts as fat burners to your body. With this supplement, you can easily achieve your desired weight as you are no longer taking into your system unnecessary foods. And also, when you take this supplement, it also adds its effect in burning unwanted fats into your system. You can now go on through your everyday living as if you are not on the process of losing your weight. If you cannot  go to the gym to have some push ups or crunches, then it is okay because these supplements can help you in your goal.

Simply take a look at this site http://appetitesuppressantshop.com/ to know more best appetite suppressant fat burning supplements.

Refrigerator Repair Austin Tutorial On Ice Maker Replacement

This is part of our on-going series to help you troubleshoot and fix appliances yourself. But remember, with any major appliance repair, if you have any doubts about what you’re doing whatsoever, it’s always better to play it safe than sorry. Austin Appliance Masters is always ready to be there to help you with all your repair service needs.

Now we’ve got all of our harness disconnected, we’ll just going to go ahead and disconnect the ice maker fill tube assembly out of the valve, it’s a quick disconnect so you’re going to have to kind of push in on the line and push in on the edge of the yellow compression fitting and then pull out, disconnect it and notice it does run over the top of this other line here, that’s just going to kind of hold it up out of the way, let’s go and pull that through.

Now we’re going to go ahead and remove the two quarter inch screws for the ice maker assembly. You’re going to go ahead and just pull it forward and the whole assembly is going to come out here. You can see all the ice buildup around here that should not be there so we’re going to rectify that issue here.


Now we’re going to go ahead and removed the rear adaptor. There’s 4 tabs that hold it in place, just use a flat head screw driver, this is just a tack puller here. Many of us have picked up quite a lot of amazing tips on Whirlpool refrigerator repair Austin from some other places such as that one. And once you get that off, you’re going to go ahead and discard this piece. Alright, now we’re going to go ahead and remove both of your gaskets here and you’ll want to make sure you get rid of any residual ice that’s built up on here and you’re going to want to wipe this surface dry with a paper towel before re applying new gaskets.

Now we got 2 new gaskets here, I’ll just going to go ahead and set those in place, now we’re going to go ahead and remove the fill tube heater, just peel it off and pull this tape back here, get access to the harness.

Okay, now if your ice maker has the revised fascia heater kit on it, then you’re going to have to pry it and grab it out here and go ahead and discard this whole piece and again, if your ice maker did not have the revised fascia heater kit then this steps will be omitted but this one had the revised fascia heater so we’re going to go ahead and pull this wiring here out of the channel, we’re going to remove the five quarter inch screws holding the cover in place, we’ll just going to use a flathead screw driver.


Now we’re going to go and remove our cover, okay, now you’re going to go ahead and remove your fill tube, just going to use a flat head screw driver. You going to kind of depress, there’s two little rubber tabs on there, push that in through the cover there. Now we’re going to go ahead and push our harness through, we’re going to remove the cover and we’re going to discard this.

Now we’re going to go ahead and take our ice maker harness and fish it through the new cover here, we’re going to take out our ice make fill tube, we’re going to fish that through. Just make sure that your elbow is facing down so it does fill in to the ice maker and it doesn’t mess the ice maker when it’s filling.

Teeth And Gums Giving You Trouble? Check Out This Informative Article!

No matter how busy you are, you should never neglect taking care of your teeth. Dental care is something you should be very much interested in! It only takes minimal effort on your part to have healthy teeth for a lifetime. The tips in the article written by dentists in lebanon and stated below can help you achieve optimal dental health.


Don’t wait to see a dentist. If you’ve started feeling even the slightest bit of pain in your teeth, make an appointment with a dentist. If you wait too long the problem could get even worse. If you get in right away, you may only need a quick and easy treatment.

Flossing helps remove plaque on and around your gum line and should be performed at least twice daily. When flossing, gently work the dental floss up and down between each tooth. Do not subjugate your gums to harsh flossing procedures; instead, use a gentle hand and waxed dental floss to help protect your gums.

After you have brushed your teeth follow up with a good fluoride rinse. A fluoride rinse will help protect your teeth by hardening the enamel on your teeth. For the greatest benefit rinse for at least one minute. The proper procedure for rinsing is to swish the mouthwash between each tooth; then, finish with a quick rinsed to help freshen your breath.

It is important that you go to the dentist to have your teeth cleaned every six months. Having a professional cleaning helps to get rid of tarter build up and polishes your teeth so that they look their best. It can also help to spot cavities that might be hiding where you can’t see them.

Brush your teeth both in the morning and in the evening. Take your time. Many people simply go through the motions quickly and don’t do an efficient job. Try timing yourself to make sure that you get your teeth very clean. If you have to, sing the ABC song in your head, and don’t stop brushing until the song is over.

If you think your teeth need to be whitened, you should schedule an appointment with your dentist. Your dentist will advise you on how to brush and floss your teeth efficiently and recommend some products you can use. In some cases, having your teeth cleaned by your dentist will be enough to make them look whiter.

Are you wanting to keep you teeth in tip-top shape? One simple tips that will help you with this goal is using some apple cider vinegar. Each morning, gargle with the apple cider vinegar. After you have finished gargling, brush your teeth. Not only will the vinegar kill bacteria which resides within your mouth, it will also help whiten your smile by erasing stains that discolor the enamel of your teeth.

Avoid drinking soda and other sugary drinks. Soda is acidic. Consumption of these beverages may discolor or erode your tooth enamel. If you drink soda, there are several ways to protect your teeth. One is to drink soda with a straw. Also, brush your teeth using water as soon as you are done drinking it.

Do you have a habit of opening plastic packages and bottles with your teeth? You should stop! Keep a pair of small scissors around to do these jobs in order to avoid damaging, or even losing, a tooth. Besides, these products are loaded with bacteria and don’t belong in your mouth in the first place.

This article has discussed some of the numerous ways that you can care for your teeth. There is no reason why you shouldn’t dedicate a bit of your time each day to caring for your teeth. Apply all that you’ve just learned to ensure you’re doing all that you can for the health of your teeth.